Loans in Gray County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gray County, KS.
The median household in Gray County earns $79,122 a year, 7% above the Kansas median of $74,275. About 8% of residents live below the federal poverty line, and 22.9% of households rent their home.
What you need for a payday loan in Gray County
Lenders that serve Gray County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Gray County
What Gray County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Gray County
Payday Loans Legal
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Personal Loans
36% a year cap on closed-end consumer loans; open-end credit uncapped.
Title Loans Legal
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the…
Banks and credit unions in Gray County
Banks with branches in Gray County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank in Cimarron | 2 | 121 N Main St, Cimarron 67835 |
| Bank 7 | 2 | 209 N Aztec St, Montezuma 67867 |
| Integrity Bank | 2 | 200 N Apache Dr, Montezuma 67867 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Gray County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Great Plains | 301 S Alvarado St, Montezuma 67867 |
| Credit Union Of Dodge City | 108 N Main St, Cimarron 67835 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Gray County?
Gray County follows Kansas law. Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Are title loans legal in Gray County?
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the parties agree to.
Where can I get a small loan in Gray County?
Options include 6 bank and 2 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Gray County?
Fill out our short online form from anywhere in Gray County. We share it with lenders in our network that serve Kansas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Gray County?
Yes. You don't need to visit a branch or storefront anywhere in Gray County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Kansas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Gray County with bad credit?
Yes, many lenders in our network work with Gray County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in Gray County?
Yes. When an unexpected bill comes up, Gray County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Gray County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Gray County residents can start any time, and it takes about 3 minutes.